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This insurance does not cover your yearly physical expenseses but IT COVERS 90% of TOTAL ACTUAL VET BILL for sick, diagnostic, lab, surgery,over night care..I live in New York and medical bills are much higher than a small town across the country. At present I am a pet parent to 3 cats and 3 dogs of which 2 of my pets are very senior dog 18 years old and cat 23 years old, my other 4 pets are 4 years old I Know how hard it is to take care of your pets when ill..I was always looking for insur for my younger pets that made some sense. All other insur covers yearly visits and such BUT it is NOT what it cost you IT IS A PAY SCALE AVERAGE and lots of exclusion and premiums some higher than Trupanion..I picked Trupanion because their coverage IS 90% of what it costs you for illness or surgery and NO CAPS ON LIFETIME. I enrolled 7/29/2010 my younger pets. One of my dogs ruptured her R CCL ( her knee tendon) had surgery $ 1610.00 9/24/2010 recieved payment 10/19/2010 for $1449.00..I AM SO HAPPY , also had a prior bill expenses $ 737.00 diagnostic and labs in reference to above Recieved payment for $ 663.30..AGAIN I AM SO HAPPY..I STRONGLY RECOMMEND THIS INSURANCE>.p.s I never write reviews but what I read up on Trupanion helped me , I hope this helps someone else...

This insurance does not cover your yearly physical expenseses but IT COVERS 90% of TOTAL ACTUAL VET BILL for sick, diagnostic, lab, surgery,over night care..I live in New York and medical bills are much higher than a small town across the country. At present I am a pet parent to 3 cats and 3 dogs of which 2 of my pets are very senior dog 18 years old and cat 23 years old, my other 4 pets are 4 years old I Know how hard it is to take care of your pets when ill..I was always looking for insur for my younger pets that made some sense. All other insur covers yearly visits and such BUT it is NOT what it cost you IT IS A PAY SCALE AVERAGE and lots of exclusion and premiums some higher than Trupanion..I picked Trupanion because their coverage IS 90% of what it costs you for illness or surgery and NO CAPS ON LIFETIME. I enrolled 7/29/2010 my younger pets. One of my dogs ruptured her R CCL ( her knee tendon) had surgery $ 1610.00 9/24/2010 recieved payment 10/19/2010 for $1449.00..I AM SO HAPPY , also had a prior bill expenses $ 737.00 diagnostic and labs in reference to above Recieved payment for $ 663.30..AGAIN I AM SO HAPPY..I STRONGLY RECOMMEND THIS INSURANCE>.p.s I never write reviews but what I read up on Trupanion helped me , I hope this helps someone else...

Our 3 month old puppy had an intestinal blockage a few days after our coverage began. We incurred some large vet bills over the course of a week. Embrace was great. I got friendly and helpful people on the phone every time I called and also received numerous emails during the claims process. Embrace covered everything we expected and we received our reimbursement check very quickly. I was very happy with our experience.

I have used the insurance for a couple of Maggie's visits and have been very happy with the turn around in payment, but was a little discouraged but the increase in premium and deductable when Maggie turned 5. From $100 to $200 for the deductable seems a bit accessive.

I did get money back once for sure, but my deductibles are so high that it hasn't happened since. And my pets haven't needed veterinary care that costs more than their deductible, thank goodness.

Our 3 dogs, affectionately known as "The LabraMutts", were first insured by Embrace in June 2007. I was thrilled to find a company that allowed me to create a plan to fit our needs! I chose options that essentially was a major medical plan (accident and illness), had an annual deductible, and a 20% cost share much like human plans. We budget for routine care, but wanted the peace of mind that a major medical plan would provide. Embrace is the first company to offer such a plan! The staff, Embracers, are always the most caring and interesting people I've ever worked with at a business every time I've had contact with them over the years. (I just wish I could work for such a great company). Embrace is always there as we face knew things that come up with aging dogs and with our youngster (now 4 yrs old). Sadly, we had to say good-bye to our oldest dog, Homer, last Tuesday. He had osteosarcoma that spread rapidly. An Embracer allowed me to cry on his virtual shoulder over the phone while I was letting him know that we planned to say our good-byes on Thursday. Sudden symptoms that appeared mid-day Tuesday told us it was time to allow Homer to go to Rainbow Bridge - we believe this was his final gift to us, to go suddenly. We received multiple caring emails from Embracers before he passed and even more afterwards. As one stated, "consider this virtual hugs over the airwaves". I called Embrace yesterday to see if they received the final claim because I'd not

I recommend Embrace. I have had a comprehensive policy on my 9 year old cat for about a year. I have filed 4 claims in that time: a wellness claim for an annual exam, a dental cleaning with some minor issues, a senior exam (like an annual but this is an extra exam every year), and a skin/allergy exam and test. The wellness claim was paid (about $200), as it's a part of my policy. The dental claim was initially rejected based on a pre-existing condition. My vet wrote a letter to Embrace explaining that current research shows that the evidence they used to consider this a pre-existing condition is no longer thought to be very valid. Embrace took a few weeks to research this and then responded that the doctor made a good case and that not only would they pay the claim (about $200 after my deductible), but they would also add this new information to their claims review process for other clients. The third claim I filed was for the senior exam, and it was denied based on the fact that my wellness benefit was used up for the year (not a surprise), and the fourth claim, for skin/allergies, was paid. Embrace has been fantastic to work with. The monthly premium for my policy feels like a lot of money ($52 for accident/illness and $15 for wellness, yearly physical and shots), but they do seem to be completely reasonable and they communicate very well, and I have a senior pet, which means higher premiums anyway. Their policies and the explanations of benefit that ac

Outstanding customer service -- always polite, responsive, helpful, and thoughtful. The team is small enough so that I've developed relationships with several Embracers, but large enough where everything gets done, efficiently -- and on time! I've already recommended EMBRACE to everyone in my dog training class! Thank you for creating such a terrific organization. SZR

We have and will continue to recommend Embrace to every pet owner we know. We have been nothing short of pleased with the service and response Embrace has consistently proven to us. We tell this to our vet every chance so he recommends Embrace to all his patients (patients owners)!!!

I have recently insured my cats for the first time and purchased wellness coverage. I took one of my cats for a checkup as well as treatment for a pre-existing condition. When I submitted the claim, I indicated it was for a wellness checkup only. They caught and notified me of the mistake, and then politely reminded me when I was... well, lazy... about resubmitting the corrected form. Once they got the correction, they paid the claim really fast. Really, really fast, actually. One doesn't usually expect such conscientious customer service from an insurance company!